494 Hamilton St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 494 Hamilton St, Worcester, MA 01604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,720 sqft · built 2019
Lot Size	0.092 acres (4,029 sqft)
Owner	2 Individual Names on Record
Last Sale	$362,100 (Dec 2020)
Tax Bill	$6,794 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-045-00323`

Property Details

APN / Parcel Number

Primary APN	`17-045-00323`
Alternative APN	`WORC M:17 B:045 L:00323`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,720 sqft Living Area
Gross Area	2,996 sqft
1st Floor Area	760 sqft
Basement Area	760 sqft
Unfinished Basement	760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,029 sqft (0.092 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	17-045-00323
Street Address	494 HAMILTON ST
City	WORCESTER
State	MA
Zip	01604-1229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Block	45
Legal Lot Number	323
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2007
Census Tract	732301

Owner

Source: Worcester County and Worcester City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	494 HAMILTON ST, WORCESTER, MA 01604-1229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit
May 23, 2019	Deed of Trust, Mortgage · Commercial Mortgage COUNTRY BANK
Dec 16, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	May 18, 2017 · Amount on Record
Deed Document Number	2020156971
Deed Book / Page	64003 / 37
Prior Transfer Date	Dec 8, 2020
Prior Transfer Doc	0064003-37
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Recording Date	Jun 22, 2026
Property Address	494 HAMILTON ST, WORCESTER, MA 01604-1229
Document Number	0000050274
Book / Page	73746 / 269
Instrument Date	Jun 15, 2026
Instrument	202650274
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 HAMILTON ST, WORCESTER, MA 01604-1229

Mortgage

Document Number	0000050274,
Date	Jun 22, 2026
Book Page	73746/269
Instrument	202650274

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jul 1, 2066

Interest

Rate	6.36%
Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	494 HAMILTON ST, WORCESTER, MA 01604-1229
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60447-376
Date	May 23, 2019
Book Page	60447/376
Instrument	46799

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Dec 16, 2020
Property Address	494 HAMILTON ST, WORCESTER, MA 01604-1229
Document Number	64003-37
Book / Page	64003 / 37
Instrument Date	Dec 8, 2020
Instrument	156971
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	494 HAMILTON ST, WORCESTER, MA 01604-1229

Mortgage

Document Number	156972
Date	Dec 16, 2020
Instrument	156972

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Type Change Date	Jan 1, 2028
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Worcester County and Worcester City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,794.00 (+8.03%)	$511,600 (+7.3%) Land $88,400 Building $423,200	$525,468
2025	$6,289.00 (+9.56%)	$476,800 (+19.11%) Land $84,200 Building $392,600
2023	$5,740.00	$400,300 Land $73,200 Building $327,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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